Infinity vs. State National: Which Company is the Best Fit for You?

Looking for car insurance and wondering if Infinity or State National is the right company for you? If so, you're probably wondering which carrier has the lowest prices or the biggest discounts. Luckily, we've done the heavy lifting for you and compared the two companies to help you find the best deal on your next auto insurance policy.
Newly insured car driving down the road
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Quick Facts

  • Looking at the national averages for insurance, State National offers cheaper rates than Infinity
  • Infinity offers more affordable premiums for drivers with a DUI charge on their record
  • State National tends to be a much more affordable option for policyholders who drive a short distance to work everyday

Infinity vs. State National: Which Company has the Cheapest Car Insurance?

Are you considering a new insurance policy? With so many ads from all sorts of companies offering hefty discounts, you're probably wondering exactly how much you might be able to save.

You've maybe even narrowed it down to Infinity or State National as your top options, but which company will offer you cheaper rates?

Infinity State National

As you can see, Infinity has average rates that are about 11% per month more expensive than those from State National when looking at the national average rates for car insurance.

Even so, State National may not be the cheapest or best option for each driver out there. Insurance companies use a variety of complex algorithms to calculate premiums, so depending on how old you are or how clean your driving record is (among numerous other factors), you could see wildly different prices from the ones above.

Luckily, we've broken down average premiums from both Infinity and State National by a range of different rate factors, so read on to find out which company is the best for you.

Infinity or State National: Average Car Insurance Rates by State

State Infinity State National

Both Infinity and State National only offer auto insurance in California, so you'll see that the average figures here will mirror the ones we mentioned above. For California residents, State National offers car insurance for $159 a month on average. Infinity's average rates come out to be over 10% more expensive, at $178 per month.

Typically, where you call home will play a large role in how much you pay for insurance, but since both companies only do business in California, a whole range of other factors will come into play when you compare Infinity and State National. Read on to learn more.

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Which is the Best Company For Young Drivers?

Infinity State National
18-year-old drivers$468$318
25-year-old drivers$147$154

Young drivers -- especially teens -- usually pay a lot for car insurance compared to older drivers. The reason is that young, inexperienced drivers are statistically much more likely to get into an accident that results in a car insurance claim, making them much riskier to insure.

But still, even with seemingly sky-high prices, teen drivers can still find ways to save money. As you can see above, teens who use State National save $150 a month compared to those who use Infinity.

However, both carriers will drop premiums by the time drivers turn 25. State National offers the steepest reduction, with 25-year-olds paying less than half what 18-year-old drivers are charged. That being said, Infinity still has the most affordable rates at $147 monthly.

Which is the Best Company for Retired Drivers?

Infinity State National
65+-year-old drivers$134$118

When it comes to auto insurance, patience and experience pay off, with drivers around retirement age paying some of the cheapest prices you'll ever find.

When looking at Infinity and State National specifically, which carrier is best for retired drivers? State National gets the edge here, with average rates coming in at around $118 per month compared to Infinity's $134.

Which is the Best Company for Married Drivers?

Infinity State National

Married couples tend to get slightly less expensive car insurance premiums than single drivers. That's because policies for married drivers generally cover multiple cars, which lots of companies will offer you a discount for.

When it comes to relationship status, State National is the clear winner for those who are single, with prices about $39 per month more affordable than Infinity, on average. But for married policyholders, that advantage is much less clear - Infinity has the edge when it comes to average premiums , but the difference is only $10.

Infinity vs. State National: Average Rates by Gender

Infinity State National

Women normally to pay less for insurance than men. This is because women are less likely to get tickets and get into accidents, which decreases the chances of an insurance claim.

Women and men get the same monthly prices with Infinity; and with State National, both genders end up paying the same monthly premium.

Looking at the data for each company specifically, State National comes out as the lowest option for both genders. On average, women save about $19 a month and men save around $19 with State National compared to the average Infinity policyholder.

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Infinity or State National: Compare State Minimum vs. Full Coverage Rates

Infinity State National
State Minimum*$93$79
Full Coverage**$262$240

*State minimum value indicates liability-only policies at each state's minimum bodily injury and property damage (BI/PD) limits

**Full coverage indicates state minimum BI/PD limits with collision and comprehensive coverages added to policy.

Auto insurance can be a complicated subject for most people. Everyone needs insurance, but there are so many different limits and coverages that it can be hard to find the right policy.

But most policies end up falling into two different types of coverage -- liability only (which covers the other party's injuries and property damage if you cause an accident) and full coverage (which includes two additional coverages -- comprehensive and collision -- in addition to liability).

If you're looking for state minimum liability insurance, State National typically offers less expensive rates of $79 compared to Infinity's $93. When it comes to full coverage policies with similar limits, State National again has the edge, with policies about $20 per month more affordable than Infinity, on average.

Is Infinity or State National Better for Drivers with Spotty Records?

You've probably seen plenty of commercials from auto insurance carriers offering great prices for good drivers, but that doesn't mean people with less-than-perfect driving records can't save money, too.

Tickets and at-fault accidents will most likely raise your premiums, but is Infinity or State National cheaper for drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Infinity State National
Clean Record$128$102
1 Speeding Ticket$160$142

Infinity policyholders can expect their rates to go up an average of $32 a month if they get a ticket, while State National generally raises prices around $40 per month, on average.

That being said, State National tends to offer the best prices for drivers both with a speeding ticket and with a clean record, offering rates that are 20% and 11% less expensive, respectively, compared to Infinity Insurance.

Which Company is Best for Drivers After an Accident?

Infinity State National
Clean Record$128$102
1 At-Fault Accident$211$142

Both companies will increase premiums pretty significantly if you get into an at-fault accident with Infinity increasing by just under $85. State National has a less extreme increase, but you can still expect to pay $40 more than you were prior to your first collision.

Overall, State National offers the most affordable rates for drivers with an at-fault accident on their records, with monthly prices averaging $142 compared to Infinity Insurance's $211.

Which Company is Best for Drivers with a DUI?

Infinity State National
Clean Record$128$102
1 DUI$211$252

On average, a DUI offense is going to cost you much more than a single collision or ticket when it comes to your car insurance bill. For example, State National increases average premiums by $150 a month -- that's just under a 60% increase.

If you have a DUI on your record and are looking for more affordable prices, Infinity tends to be the much more affordable option with average premiums of $211 a month compared to $252 from State National.

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How does Credit Score Impact Infinity and State National Rates?

In many cases, your credit score can be used as one of the variables to determine your monthly insurance rates. Certain states and carriers do not allow for credit score to be used as a rating factor, but it might come into play for many drivers.

Auto insurance companies argue that someone with bad credit is less likely to pay their bills on time, which makes them riskier to insure. Because of that, policyholders with bad credit will often be forced to pay more.

Looking at Infinity and State National specifically, which one has the lowest prices for drivers at different credit levels?

Which Company is Best for Drivers with Good Credit?

Infinity State National
Excellent Credit ScoreNo Data AvailableNo Data Available
Good Credit ScoreNo Data AvailableNo Data Available

Which Company is Best for Drivers with Bad Credit?

Infinity State National
Fair Credit ScoreNo Data AvailableNo Data Available
Poor Credit ScoreNo Data AvailableNo Data Available

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Is Infinity or State National Better for Drivers who Work from Home or Have Short Commutes?

Infinity State National
6,000 Annual Miles$167$141
12,000 Annual Miles$189$178

Did you know that the amount of time you spend in your car have a pretty big impact on how much car insurance carriers will charge for coverage? Typically, the more miles you drive, the more you can expect to pay for insurance.

For both drivers who put 6,000 miles on their vehicles annually, as well as those who average twice that figure, State National offers cheaper premiums than Infinity. Infinity's average rates for drivers with 6,000 annual miles come in over 15% more expensive than State National. Those who drive 12,000 miles each year can expect to pay 6% more with Infinity over State National.

Infinity vs. State National: Compare Rates for Urban, Suburban, and Rural Drivers

We've already mentioned how your home state can play a role in how much you pay for car insurance, but the type of area you live in can have a considerable impact as well. Normally, those who live in urban areas will pay more than policyholders in rural areas because of the number of vehicles that are on the roads in those areas.

Infinity State National
Urban Areas$198$173
Suburban Areas$186$163
Rural Areas$149$143

State National tends to offer the cheapest rates for drivers in all types of areas, no matter if they're urban, suburban, or rural.

For drivers in urban ZIP codes, State National offers premiums about $173 monthly compared to Infinity's $198. People who live in suburban ZIP codes can expect to pay around $163 per month for State National and $186 for Infinity. Lastly, those in rural areas tend to get the most affordable rates from both companies, with average monthly premiums coming in at $143 and $149 for State National and Infinity respectively.

Infinity vs. State National Discounts

You want to save as much money as possible, right? The best way to do that is by taking advantage of as many auto insurance discounts as you can.

But where do you even start? With so many discounts out there, it may seem challenging to find all the of the ones you're eligible for.

In the table below, we've broken down all of the different discounts offered by both Infinity and State National so that you can easily see which company offers the most discounts and see which ones you might be able to take advantage of.

Infinity State National
Anti-Theft Discount 
Auto-Pilot Discount 
Defensive Driver Discount 
Distant Student Discount 
Good Driving Discount
Good Student Discount
Group Discount 
Mature Driver Discount 
Multi-Car Discount 
Passive Restraint Discount 
Renewal Discount 

State National blows Infinity away when it comes to the sheer amount of discounts available, offering seven more discounts than Infinity.

There are a couple discounts both carriers offer, but State National also offers anti-theft discounts, auto-pilot discounts, distant student discounts, and more that Infinity does not.

On the flip side, Infinity has a unique discount of its own -- a defensive driver discounts.

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Final Thoughts: Is Infinity or State National Best for You?

So, we've broken down the average prices for many of the factors car insurance companies look at, and we've shown you all the discounts each company offers. That's all well and good, but when it comes down to it, which insurance carrier is the right carrier for you, your vehicle, and your wallet?

State National might be best for you if....

  • You have received a ticket within the last few years.
  • You're buying auto insurance for a teen and looking for a wallet-friendly option.

Infinity might be best for you if...

  • You have a DUI charge on your record.
  • You're married and plan to have both of your names on the vehicle's insurance policy.

We hope this guide has ben a valuable resource as you compare Infinity and State National and that it aids in making a more informed decision about your auto insurance.

At the end of the day, the best way to make sure you're getting the best deal on your car insurance policy is to compare quotes from multiple carriers, not just Infinity and State National. Luckily, sites like make it easy for you to do just that. Simply enter your ZIP codes below and get free quotes from dozens of top insurance companies in your area, all in just a few minutes.

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Infinity vs. State National FAQs

Is Infinity or State National cheaper?

Looking just at the national average premiums, State National is the less expensive of the two carriers, offering average rates of $159 a month compared to $178 for Infinity. But State National won't necessarily be the lowest company for every policyholder, since there are multiple different variables that come into play when it comes to your auto insurance cost.

Who is better, Infinity or State National?

Unfortunately, the answer truly is "it depends.". No single carrier is necessarily "better" for everyone -- it all depends on what your unique car insurance profile looks like.

Why do Infinity and State National offer me different rates?

Insurance companies take a look at quite a few different factors when calculating the rates they charge policyholders. Variables such as your driving record, gender, where you live, age, and sometimes even things like your credit score can all come into play. Both Infinity and State National calculate prices using different factors, so each one will most likely offer different premiums. The only real way to see which company is the cheapest for you is by comparing personalized quotes from many different carriers.

How do I know if Infinity or State National is right for me?

The only way to find the car insurance carrier that's right for you is by getting quotes from a handful of companies and finding the one best suited for your individual budget. Luckily, sites like do all the hard work for you. Just enter your information once and you'll get free quotes from dozens of the best auto insurance carriers in your area. That way, you can guarantee you're getting the best price. And who knows, the best company for you might not be Infinity or State National at all!


All of the data referenced in this article has been gathered in collaboration with Quadrant Information Services. We analyzed more than 2.5 million rows of carrier-reported data to calculate the average rates referenced above. All rates are based on an insurance profile of a single-vehicle policy for a driver that owns a 2016 Honda Accord. For more information on how we calculate rates, please reference our data methodology.

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